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    • Make sure the WS is sent 14 days before the hearing. You can e-mail the court theirs.  In the subject line put the case number, the names of the parties and "Witness Statement".  Obviously click on "Return Receipt". Send Simple Simon his by 2nd class post - all VCS are worth - and get a free Certificate of Posting from the post office.
    • The outlet is in Camden Town and was set up in 2006, a year after my husband established the business, in addition to selling at exhibitions, online, shows, events, and having licensing agreements in some places overseas.  The only thing I have stopped doing since I got ill is the physical stuff, which I’m working on. The business has not changed name or anything like that either. I’m not sure where the original contract with Camden is but the management must still have it. My husband died in Jan 2017, and until Sept 2018, I would take the stock in every week; after that I was sending it in by post. I went in now and then when possible to re-do the display but that was about it. No one had access to any files until 2020. Moved house in 2020 thought would have to pull it all, Covid had just hit as well. The person in question said he would be interested in taking over and paying the rent etc. so I said I would let him sell the pictures for nothing as long as he would ‘keep it warm’ for me.  Obviously, everywhere was closed for lockdown. During this time I was working out how to go forward.  In May 2022 I told him I couldn’t  give anything away for free anymore, and put in place the wholesale agreement.  I’ve disregarded any discrepancies from before this date. I sent over the jpgs electronically, so I’ve still got them too. He hasn’t got any original files like .psds negatives or memory cards etc, I’ve got proof of all ownership/copyright. A co-op is whereby a small number of neighbours work on a rotational basis so they each of them can have time off, that way everyone doesn’t need to be there at the same time, he had never been an employee of mine.  The only reason I allowed him to have the files in the first place as I didn’t want to lose that side of the business.  It’s a good, constant source of income. However, the rent was becoming crippling as I believed there was something fishy going on well before this as there’s so much cash dealt with there, and I couldn’t go in regularly in person, and I’m sure sales weren’t being recorded properly and cash was being pocketed. My husband was too busy to be doing any stock control properly, he wasn't really into paperwork, and the guy who was ‘helping’ me after my husband's death, was making things very difficult for me to implement a solid stock control system by refusing to co-operate on simple things like using email etc. which I thought was a smokescreen, so I severed ties with him just before I made the agreement in question. I sent about 100 images, jpg files, sent via We Transfer. I’ve got the confirmation of which files were sent with dates. I will have to go through closed bank accounts and previous tax returns to get a proper estimate.   Before I made this agreement, I was selling retail there, this is a wholesale agreement so I’ll have to do some calculations but it is definitely in the thousands.  I haven’t got his his home address, and I don't think he's got any sizeable assets. I’m also worried that he might send the files overseas and start selling them there. I know he’s not stupid enough to sell them online. He knows for sure how serious this is, but he’s been chancing it and thinks I’m stupid, if not soft and stupid. I don’t know if this would work but I am thinking that when he does contact me, I tell him we need to talk, tell him I know what he’s been up to, and strongly urge him not to order any more prints from wherever he is having them printed because it will make things much worse for him if he does. Then when I do tell him about the gravity of the situation, maybe a few days later, I think it will scare him into complying because the consequences definitely trump the few quid he thinks he is saving by getting his own printing done. Tell him an amount that I want back for lost revenue, and make it clear that if he doesn’t destroy the files and if I find out he is still doing it at any point down the line, I will seek prosecution for copyright infringement and fraud, which I will. I don’t know how I can enforce any of this without involving the courts though. I will be able to tell, though, and he will know this. And the only reason I am doing this now rather than before, is that I couldn’t prove anything until now.  It was screamingly obvious from the beginning though, as he wasn’t ordering enough from me to pay the rent, let alone make a profit. If I decided to come down like him lie a ton of bricks straight away, how would I go about a cease and desist, would I have to get one from the court? And what do I do about the stock he currently holds? It has also occurred to me that he might file for bankruptcy or similar if things get heavy, where would that leave me? I could put the feelers out for a brand-new person to take it on, obviously without giving them access to files, that is an option. But that comes with its own set of issues. Also, would there be any implications for me, if I kept quiet for now? Let him order again from me as if nothing has happened, as it will be any day and I want to get all my ducks in a row first ideally….   Thanks again
    • I’ve also just realised their online website they’ve got 12 photographs of my vehicle, including close ups of the inside?? Not sure why that’s relevant.  The time stamp on the first photo is 13:57, the PCN incident time is 14:12. 
    • I’m tempted to send a letter to the company outlining the reasons why I think their PCN is illegitimate. I guess will technically be an appeal.  Their documentation states they won’t discuss over phone, I also don’t want them to have my email address.    re signage on entrance, having looked at land registry, the whole road is private, and when you turn into the road off the highway, there is a sign on the lamppost about 20m in, again not noticeable and on the other side of the road.  I feel like I am in a difficult position with this, I understand that I may have a good chance of not having to pay, but at the same token the stress this is already causing me makes me feel like it’s not worth the £60!
    • Well done with the photo. Of course the signage is insufficient.  PPM are not interested in competent management of a car park, they are interested in catching drivers out so they can issue their PCNs. For a start, according to their trade associations' Codes of Practice, they are supposed to have signage at the entrance. Any e-mail reply from the company and whether they will/won't/can/can't get the invoice cancelled?    
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        • Like

Claim for £8000 - Nationwide


mars32
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any claim over 5000 will be allocated a different track

 

the downside to this is that if you lose you will be responsible for costs....

 

unless you are 100% sure on what you are doing I would do it in two claims

 

one for 5000 and one for 3000

 

my two pennorth

 

rgds

 

Dave

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** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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thanks for the click

 

btw the 5000 does NOT include interest or costs.....

 

my claim was for 4950 + about 1200 in interest + court fees etc

 

total claim about 6300

 

be carefull though court costs climb from 120 to 250 if the " TOTAL "claim is more than 5000

 

dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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I would not bother to split the claim at all, you may technically be at risk of costs but in reality...........

 

We advise people at Allocation Questionnaire stage to ask for small claims even if the amount is higher than 5k. Many claims for over 5k are heard in the Small Claims track.

 

Regardless of the amount, Nationwide will still settle way before a court hearing so ....it's your call:)

 

Good luck

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Welcome to the forum.

 

Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

use the template letters in order Stick to the timetable in there.

 

For instant live help please go to the chat room

 

Any advice given is purely based on personal experience and if in doubt you should seek further advice from a professional.

 

 

Useful for those claiming for the first time for a summary of steps.

At a glance guide to claiming.....

 

A-Z of useful links to this site.

Can't Find What You're Looking For? Here's A Complete A-z Index

 

A list of head office departments to send your requests to

list of places to send you correspondence to

 

Step by step instructions better safe than sorry!

Example Step-By-Step Instructions

 

Templates If it aint broke dont fix it!

http://www.consumeractiongroup.c o....lates-library/

 

Online claim or direct at court?

Getting MCOL Right

 

Finally good Luck.

jamesrap.

 

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

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MY SAGA SO FAR ........................ AWFUL START HOPE IT GETS BETTER!

 

Sent S.A.R - (Subject Access Request) request 21 Feb 07.

Heard nothing.

40 days later

7 Apr 07 sent letter re: breached rights under Data Protection Act.

Heard nothing after 7 days.

Complained to Information Commissioners Office online.

Heard nothing.

Phoned Data Protection Nationwide and left message re: S.A.R - (Subject Access Request)

Phoned Head Office Swindon - Senior advisor to email Data Protection re:S.A.R - (Subject Access Request)

16 Apr 07 -Hooray finally heard from Nationwide - received letter from Data Protection - statements were posted on 22 March 07 and to check with Royal Mail.

Checked and statements were indeed waiting - although sent by special delivery I had not received a card to notify of attempted delivery!!! --ROYAL MAIL ERROR!!

19 Apr 07 - sent letter requesting repayment of charges.

27 Apr 07 - received 3 page letter and leaflet - basically saying thank you for your letter but no payment!!

27 Apr 07 - sent LBA - waiting begins.

8 May 07 - received same bog off letter and leaflet.

14 May 07- filed claim in local court.

16 May 07 - deemed served.

18 May 07 - Acknowledgement of service filed - Eversheds.

Defence to be filed by 13 June 07

 

8 & 9 June - Money started going into account

TOTAL £9884.13 so far.........

still to hear from Court or Nationwide

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I have a feeling I will need to file a court claim (surprised - no).

On the court claim form it says charges - I get that bit.

HELP NEEDED WITH THE REST - PLEASE - BIG CLAIM NEED TO GET IT RIGHT!

Overdraft Interest £xxx.xx -- WHAT IS THIS ONE PLEASE?

Interest under s.69 County Courts Act 1984 £xxx.xx

 

-- WHICH ONE IS THE 8%??

TOTAL £ xx.xx

 

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just.

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I am a bit worried as my claim is for £8,000 before interest - it may go to fast track instead of small claims? I understand it should cost me £250 to proceed in court but what sort of timescale does the fast track mean - has anyone had any experience of it. I have just sent my LBA and now its getting nearer to court I am feeling a little nervous - exactly what they want I suppose.

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Sent my LBA on 27/4/07 - First class recorded. Checked online at Royal Mail and as yet have no proof of delivery!! Can I still go ahead and apply to court after their 14 days from LBA??

 

 

ALSO has anyone managed to get a cheque rather than money paid into their account?

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Hello mars32!

Sent my LBA on 27/4/07 - First class recorded. Checked online at Royal Mail and as yet have no proof of delivery!! Can I still go ahead and apply to court after their 14 days from LBA??The Recorded Delivery receipt is sufficient to provide 'Proof Of Posting.' Receipt is generally taken to be TWO days after posting. Count your 14 days from that date.

 

ALSO has anyone managed to get a cheque rather than money paid into their account? If your Flexaccount is closed and U have asked for payment to be via a cheque, U will receive a cheque, if Nationwide chooses to settle your Claim. If your Flexaccount is still open, Nationwide will pay your refund into that. If U are O/D or owe Nationwide money, they will off-set payment to the delinquent account.
Is there any particular reason why U would prefer a cheque???
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Hi again mars32!

On the particulars of claim it says " [date when the money became owed to you] " Can you help me with what I put please??
If U submit your spreadsheet with your Schedule of Charges on it, would it not be sufficient just to say...

"As per the enclosed/attached/submitted Schedule of Charges"???

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Hi again mars32!

If U submit your spreadsheet with your Schedule of Charges on it, would it not be sufficient just to say...

"As per the enclosed/attached/submitted Schedule of Charges"???

 

Just wondered cos that is what it said when I downloaded it.

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Hello mars32!

 

 

Is there any particular reason why U would prefer a cheque???

 

I would prefer a cheque cos the account hasn't been used since Sept 06 and we don't have any cards etc to get the money out.

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Thanks for the replies Milktrayman - much appreciated. I am trying to make sure I do everything by the book cos I don't want Nationwide to wriggle out of paying me.:)

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I would prefer a cheque cos the account hasn't been used since Sept 06 and we don't have any cards etc to get the money out.
If the Flexaccount is STILL open, U have the account no. + can provide ID

...Just go along to any branch and make a counter withdrawal.

Nationwide won't tell U when any reclaimed money will go into your Flexaccount 1st though.

...U would have to check your balance daily, if that is the case!

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and don't forget to take BOTH parts of your driving licence! One of the branches would not let me take out a measly £50 from my account as I only had the card bit - even though I was able to answer all their questions about the account & payments!

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Got reply from Nationwide to my LBA - same 3 page letter as before plus a feedback/compalint timeline checklist and they sent back the letter and spreadsheet. Can I now file for court tomorrow it would be 13 days??? They have date stamped all the letters I sent them so I can prove delivery!!

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Yes I guess I can wait till Monday!!

Has anyone else received a feedback/complaint timeline checklist?

Also I'm surprised they sent all my paperwork back.

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